Thanks Stephen for the post: More on bibliography software in particular the link to Using Zotero with the Society of Biblical Literature (SBL) article on the Zotero forum, this is an excellent discussion of, and if you read on description of how to, use Zotero with the SBL Style Guide. That link is really useful for Biblical Scholars thinking of using Zotero. I had worked out for myself that in most respects (Journal name abbreviations is one obvious exception) Chicago Manual of Style (with full Note and Bibliography) is basically what SBL uses, incidentally I think since the article was written that option was added to Zotero (probably the author's doing)! This has also fixed his limitation (a), clear evidence of the advantage of software produced by and for scholars, with a strong user group ;)

For biblical scholars wanting to try Zotero, but too busy to read Scott's article in full (or just wanting the updated version), here is a modified and updated (by me) extract with instructions:

Using Zotero for SBL Manual of Style

(1) Set Zotero's "Preferences/Export/Default Export format" to "Chicago Manual of Style (Full Note with bibliography)". This is how to get full citation information in the footnotes. (See my screencast below.)
(2) Create a new Collection in Zotero's left pane. Call it something like "Used in [DocumentName]" - or if you are me organise by topic.
(3) When you want to cite an item in your database, just use the Word or Open Office tools.
(4) At some point place your cursor where you want the bibliography and click the "Zotero Insert Bibliography" button on the toolbar.

Voilà!